Rule 602. Need for Personal Knowledge | Federal Rules of Evidence | US Law

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A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witness’s own testimony. This rule does not apply to a witness’s expert testimony under Rule 703.

Notes

(Pub. L. 93–595, §1, Jan. 2, 1975, 88 Stat. 1934; Mar. 2, 1987, eff. Oct. 1, 1987; Apr. 25, 1988, eff. Nov. 1, 1988; Apr. 26, 2011, eff. Dec. 1, 2011.)

Notes of Advisory Committee on Proposed Rules

“* * * [T]he rule requiring that a witness who testifies to a fact which can be perceived by the senses must have had an opportunity to observe, and must have actually observed the fact” is a “most pervasive manifestation” of the common law insistence upon “the most reliable sources of information.” McCormick §10, p. 19. These foundation requirements may,

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FEC | Candidate | Personal use

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Using campaign funds for personal use is prohibited.

Commission regulations provide a test, called the “irrespective test,” to differentiate legitimate campaign and officeholder expenses from personal expenses. Under the “irrespective test,” personal use is any use of funds in a campaign account of a candidate (or former candidate) to fulfill a commitment, obligation or expense of any person that would exist irrespective of the candidate’s campaign or responsibilities as a federal officeholder.

More simply, if the expense would exist even in the absence of the candidacy or even if the officeholder were not in office, then the personal use ban applies.

Conversely, any expense that results from campaign or officeholder activity falls outside the personal use ban.

Spending that isn’t personal use

In addition to the “irrespective test,” Commission regulations include other uses of funds that do not constitute personal use and thus are permissible uses of campaign funds.

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Dental Plans Coupons and Discounts, Save Money on Dental

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Save Time and Money – Shop now and Enjoy Deeper Savings with a DentalPlans.com Coupon

At DentalPlans.com, we’re all about helping our customers save time and money. That’s why we offer a great selection of DentalPlans coupon codes for use on DentalPlans.com. Here in our savings center, you can find our current special offers, DentalPlans.com promo codes, and discounts. Just click on the coupon you want to use and start shopping. It’s that easy!

Special promotions including, but not limited to, additional months free are not available to California residents or on Fully Insured Plans. Offers cannot be combined.

Dental Savings Plans

  • Use the coupon below to receive 30% off on a :DP CompleteCare plan.

  • DP SmartHealth

    Use the coupon below to receive 30% off on a :DP SmartHealth plan.

  • CVS iSave

    Use the coupon below to receive 20% off on a CVS iSave plan.

  • Alliance HealthCard Savings

    Use the coupon below to receive 20%

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Best Renters Insurance Companies of 2020 | Renters Insurance

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Best Renters Insurance Companies of 2020

While homeowners often are required by their lender to have homeowners insurance, many renters are under no such constraints. Renters insurance is neither mandated by law nor demanded by every landlord.

Yet just as driving a car responsibly requires insurance, it’s a good idea to insure your possessions in your rental property from being damaged or destroyed in a fire or other unforeseen event. And thanks to companies with online and mobile options, it’s easier than ever to find a policy to fit your budget.

“Renters insurance can be surprisingly affordable, though it does pay to shop around,” says Eric Cioppa, president of the National Association of Insurance Commissioners (NAIC) and superintendent of the Maine Bureau of Insurance. He says that a landlord’s insurance doesn’t cover tenants’ personal property, so they are well-advised to take out their own insurance policies. But according to a

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Personal Finance Seminar | University of Maryland Extension

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Financially Successful Aging: A Practitioner’s Seminar to Later Life Financial Well-Being

SAVE THE DATE:  May 14, 2020  9:00am – 5:00pm ET

The Personal Finance Seminar is a fully-online, virtual training event. 

The outstanding group of speakers include:

  • Angela Antonelli, Georgetown University, “From Savings to Security: The Need to Improve Retirement Readiness” 

  • Luke Erickson, Ph.D. Personal Finance Extension Specialist, University of Idaho Extension, “Identifying Senior Scams

  • Christine Moriarty, President, MoneyPeace, Inc, “Beyond Retirement: Planning for the Senior Set

  • Hector Ortiz, Senior Policy Analyst, Consumer Financial Protection Bureau, “Pathways to Financial Well-Being among Older Adults

  • Diana Varela, Public Affairs Specialist, Social Security Administration, “All You Need to Know About Retirement

  • Nicole Wipp, Founder & Lead Attorney, Family & Aging Law Center PLLC, “Fundamentals of Estate Planning: How to be a ‘hero’ to your clients & their families when

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Types of Life Insurance | Policygenius

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For more information, see our full cost guide to determine how much life insurance may cost for you.

Guaranteed issue life insurance

Guaranteed issue life insurance takes the concept of simplified issue life insurance – forgoing the health exam – and takes it a step further in that you don’t have to answer any questions about your health, either. As long as you can pay the premium, the insurer will cover you, needing only your age, sex, and state of residence.

That makes it appealing for older people, whose declining health makes it prohibitively expensive to get coverage with another insurance types.
Guaranteed issue life insurance is useful for elderly applicants, but others can likely get more life insurance coverage at a lower cost with a different policy type.

Just like with simplified issue life insurance, the lack of insight into your health conditions that a medical exam and interview

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Travel Insurance – Compare and Buy Trip Insurance Online

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COMPARE AND BUY TRAVEL INSURANCE ONLINE

A travel insurance policy can protect you from a variety of unexpected circumstances while you’re traveling. Whether you’re looking for trip cancellation coverage to reimburse you for the costs of hotels, flights and other pre-paid and non-refundable trip expenses or if you need medical expense coverage to protect you from the extensive costs of overseas treatment and hospitalization, a travel insurance policy can drastically decrease your risks.

Travel insurance is important for travelers who need a solution to protect themselves from unexpected situations that could affect their travel plans, trip investment and health when traveling. In the last few years, travel insurance has become one of the most popular insurance products available, as it is extremely cost-effective. It’s practically indispensable on international trips, and for travelers of all ages and occupations, it’s a great safety net to give peace of mind when traveling.

Whether

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Mortgage Protection Insurance: When You Might Need It

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Before you accept the responsibilities of taking on a mortgage that spans several decades, there’s an option you might consider to protect the home from foreclosure in case you’re not able to make the monthly mortgage payments.

Mortgage protection insurance (MPI) protects homeowners if a health issue arises and they become disabled, or a job loss is lengthy. In the worst-case scenario, this type of coverage can pay off the balance of the mortgage if the borrower dies.

MPI can be a safety net for some homeowners while others may view it as an unnecessary expense that will drain an already tight budget. Deciding whether to purchase a mortgage insurance policy depends mostly on your health and financial circumstances.

What is mortgage protection insurance?

MPI policies basically function as a type of life or disability insurance. The cost of the monthly premium varies, depending on the amount of the loan

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Compare Cheap Insurance Quotes | Compare the Market

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2020 comparethemarket.com. All rights reserved. comparethemarket.com and comparethemeerkat.com are trading names of Compare The Market Limited. Compare The Market Limited is an insurance intermediary, which is authorised and regulated by the  Financial Conduct Authority (Firm Reference Number 778488). This website uses cookies. Continuing to use this website gives consent to cookies being used. For information on how to disable them see our cookie policy.

*Qualifying purchases. Participating restaurants/cinemas. Cheapest free. 1 membership per 12 months. T&Cs apply Rewards T&Cs apply. Meerkat Meals: 2 for 1 on selected food. A la carte only. Sun-Thurs. Max 6 people. Exc certain days & kid’s meals. App only. Meerkat Movies: Tues or Weds. 2 standard tickets only.

Please note your claim may take up to 48 hours to validate. Rewards T&Cs apply. Average saving of £600 based on two people going to a participating cinema

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BA International Trade and Finance, Izmir, Turkey 2020

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The Department of International Trade and Finance prepares students for business life, training them as professionals, who can design strategies suitable for international trade, position Turkish goods, and services in an international environment, understand the structure of international trade establishments, and contribute to the national economy by analyzing various financial models.

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Program structure

Courses are offered in economics, management, information technology, international trade, foreign trade management, trade law, foreign languages (starting from the second year and continuing until graduation), finance management, marketing, international economy, international marketing, and import-exports. Students are also prepared with the distinctive skills of personal entrepreneurship and critical thinking. A second foreign language option is also offered to all students.

Career opportunities

Graduates of this program find careers in companies dealing with Foreign Trade and Capital, SMEs(small and middle-sized companies) which are operating globally, internationally funded companies, commercial sections of Embassies, and in the trade/finance division of

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